Careers at SCL Mortgage

SCL Mortgage is a growing mortgage company based in Lone Tree, Colorado with additional branch offices in Colorado and Nebraska. The Owner of the company has over 30 years in the industry and has a reputation of growing successful origination platforms. SCL has more loan programs available than most other lenders!

SCL is a great place to work in a fun, casual environment with growth potential for the right people.

Mortgage Loan Originator – Remote

Remote Loan Officer – 120bps – Sign on Bonus – Leads Provided

• Are you a licensed MLO, who knows Fannie, Freddie, FHA, VA Guidelines?
• How to calculate income?
• Understand tax returns?
• How to sell?

• Do you want good & solid leads of those who have contacted us (SCL)?
• Do you want to make up to 120 bps commission?
• Do you want to be very busy?
• Do you have a good work ethic and want to say “NO” much less? SCL Mortgage has more loan programs than most lenders.

Apply now!

SCL Mortgage is looking for great Mortgage Originators that want to make a difference in people’s lives. If you are looking for a Lender who can do all the conventional loan programs as well as the new exploding NON-PRIME market that is SCL.

SCL Mortgage has all the Investors for Conventional Loans but what we have in addition to that are relationships with Non-Prime Investors which allow us to do loans for people with that “Special Circumstance” in their history.

LEADS PROVIDED!
We generate quality leads in house with our marketing and advertising programs – we do NOT buy generic leads lists that waste your time!

CLOSE MORE LOANS!
Say YES more often. In additional to the traditional loan types, we offer even more loan programs than most lenders that allow you to say YES to more borrowers.

QUALIFICATIONS
Honesty, Integrity and hard work are the most important qualities to have. We believe in 3 things.

• Always, always do the right thing.
• You must make money and successful Originators do make money with us.
• You must have fun. If you are not having fun at what you do, then make a change.

If you always do the right thing, like to make money and like to have fun then maybe SCL is the right place for YOU!

ESSENTIAL TASKS AND RESPONSIBILITIES
• Originates purchase or Refinance transactions by taking complete and accurate loan applications.
• Establishes and maintains relationships with realtors, bank officers, builders and new home sales representatives in order to develop and retain existing business.
• Monitors overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to counseling and pre-qualifying potential home buyers.
• Collects and analyzes information regarding the customer’s income, assets, investments or debts.
• Evaluates Expert Financial and other loan products and services and determines which financial products best meet the customer’s needs and financial circumstances.
• Advises the customer regarding the advantages and disadvantages of different loan products.
• Services existing customers and obtains all necessary support documents along with the appropriate fees and lock in information.
• Oversees the loan process by monitoring loan status and ensures conformity with terms.
• Communicates loan status to all interested parties and obtains loan documentation after closing.
• Negotiates terms and conditions of loans with customers.
• Demonstrated judgment and decision-making ability.
• Excellent and effective presentation and communication skills, both verbal and written.

Location: Remote

Job Type: Full Time / W2 Employee or 1099 Contractor

Compensation:
• Commission on each closed/funded loan
• Draw program based on state minimum wage requirements

Benefits: Health insurance with Vision Embedded, Dental insurance, and flexible work hours/days

Years of Experience: Minimum of 1 Year (Realtor/Builder relationships a plus)

Education Level: High school or equivalent (Required)

NMLS Licensing: NMLS Licensing required within 90 to avoid TPO expiration

To apply: Email Cover and Resume to Stephanie at svincent@sclmortgage.com

Mortgage Loan Processor – Remote or Colorado

PRIMARY PURPOSE OF JOB
The Mortgage Loan Processor is responsible for moving loans through the system as efficiently as possible.

ESSENTIAL TASKS AND RESPONSIBILITIES
• Working with Loan Officers and LO Assistants to properly structure files and agree on the necessary documents required for the investors to approve our loans.
• Manage deadlines in order to achieve quality outcomes
• Collect and analyze all necessary loan documentation
• Consistently communicate with customers and other parties throughout the loan process
• Order all third-party documents, complete income calculation worksheets, issue initial closing disclosures

QUALIFICATIONS
• Minimum 2 years’ experience
• High school diploma or equivalent required
• Experience with Loan Origination Systems (LOS) such as Calyx Point
• Proven ability to run both DU and LP
• Skilled in Document Preparation Software, DocMagic
• Proficiency with computer systems including MS Office (Word, Excel, and Outlook)
• Excellent written, verbal, and interpersonal communication skills
• Strong attention to detail and the ability to efficiently and consistently produce accurate work
• Solid organizational and problem-solving skills
• Capability of multi-tasking in a fast-paced environment with a heavy volume of transactions
• Proven aptitude to work in both a team and individual environment
• Sound judgment skills to make quick decisions within written policy and standard operating procedures are essential

Job Type: Full-time

Benefits
• Health Insurance
• Dental Insurance
• Vision Insurance
• Paid Time Off
• Vacation

Working conditions: The candidate will work mostly in an office environment.

Physical requirements: The applicant will sit, walk, stand, hear for lengths of time.

Schedule
• 8 hours shift
• Day shift (flexible hours if necessary)
• Monday to Friday

Education: High school or equivalent (Required)

Location: Remote or Lone Tree, CO

To apply: Email Cover and Resume to svincent@sclmortgage.com

Mortgage Loan Closer / Funder – Colorado

PRIMARY PURPOSE OF JOB
The Mortgage Loan Closer/Funder is responsible for the coordination of loan closings and the preparation of closing packages, including the issuance of funds.

ESSENTIAL TASKS AND RESPONSIBILITIES
• Manage a pipeline for loans that are cleared-to-close and ready for closing documents to be prepared; oversee Docs Out to confirm loans closed and when package will be returned; review loans in Docs Back status to ensure that post-closing package is shipped.
• Examine information pertaining to fees, rates, property information, vesting, etc. in loan file to ensure accuracy.
• Verify Fee Sheets and Doc Order requests.
• Look over all third-party invoices confirming they match the final CD.
• Review MERS for updated information and third-party alerts.
• Ensure that all Prior to Doc conditions have been reviewed and signed off by underwriter.
• Complete all required worksheets and checklists.
• Coordinate and schedule loan closing.
• Prepare all closing documents and funding figures, and send to Title Company through DocMagic.
• Notify appropriate parties when documents are ready.
• Validate estimated CD for compliance requirements.
• Request wire from warehouse line.
• Confirm loans closed and funded with the Title Company. Ensure that fees are collected and that funding figures are correct.
• Review final CD for compliance requirements.
• Assess file for completeness and accuracy to ensure compliance with government and company requirements.
• Prepare collateral package to be shipped to warehouse bank.
• Ensure all loans close and fund in adherence to all SCL’s Policy & procedures, and are in compliance with all state and federal regulations.

QUALIFICATIONS
• High school diploma or equivalent required; College degree preferred
• Knowledge of mortgage industry and closing loans
• Understanding of state and federal regulations for loan closings
• Demonstrated skill in monitoring and overseeing loan production pipeline
• Experience with Loan Origination Systems (LOS) such as Calyx Point
• Skilled in Document Preparation Software, DocMagic
• Proficiency with computer systems including MS Office (Word, Excel, and Outlook)
• Excellent written, verbal, and interpersonal communication skills
• Strong attention to detail and the ability to efficiently and consistently produce accurate work
• Solid organizational and problem-solving skills
• Capability of multi-tasking in a fast-paced environment with a heavy volume of transactions
• Proven aptitude to work in both a team and individual environment
• Sound judgment skills to make quick decisions within written policy and standard operating procedures are essential

Job Type: Full-time

Benefits
• Health Insurance
• Dental Insurance
• Vision Insurance
• Paid Time Off
• Vacation

Working conditions: The candidate will work mostly in an office environment.

Physical requirements: The applicant will sit, walk, stand, hear for lengths of time.

Schedule
• 8 Hour shift
• Day shift
• Monday to Friday

Education: High school or equivalent (Required)

Location: Lone Tree, CO

To apply: Email Cover and Resume to svincent@sclmortgage.com

Mortgage Disclosure / Lock Desk Specialist – Colorado

PRIMARY PURPOSE OF JOB
The Mortgage Disclosure/Lock Desk Coordinator is responsible for locking and moving loans through the system as efficiently as possible as well as verifying that mortgage disclosure packages comply with applicable disclosure regulations as well as investor and agency disclosure requirements.

 

ESSENTIAL TASKS AND RESPONSIBILITIES:

  • Initial Disclosures and Re-Disclosure Processing.
  • Audit, verify, and ensure that mortgage loan disclosure packages are accurate at time of delivery to borrowers.
  • Use document checklists to ensure that each disclosure package contains all expected disclosure documents, and all forms are completed accurately.
  • Ensure that disclosure packages comply with all applicable federal, state, and agency guidelines.
  • Communicate with team members to validate fees to ensure disclosures are delivered with the correct fee amounts.
  • Review loan summary forms, loan officer questionnaires, and other relevant documents to identify associated fees paid by the borrower.
  • Perform minor corrective action to fees when necessary.
  • Monitor pipeline daily to ensure initial and re-disclosure packages are distributed to borrowers.
  • Abide by mortgage regulations and SCL policies to remain compliant.
  • Review 1003.
  • Upload 3.2 file in the applicable Investor Portal.
  • Review pricing.
  • Run QM, HPML, DU/LP.
  • Lock loan.
  • Send out disclosures and tracks them.
  • Assist with processing as needed.
  • Change of circumstance.
  • Other duties as assigned.

QUALIFICATIONS:

  • Minimum 1-year experience.
  • College degree preferred.
  • High school diploma or equivalent required.
  • Experience with Loan Origination Systems (LOS) such as Calyx Point.
  • Proven ability to run both DU and LP.
  • Skilled in Document Preparation Software, DocMagic.
  • Proficiency with computer systems including MS Office (Word, Excel, and Outlook).
  • Excellent written, verbal, and interpersonal communication skills.
  • Strong attention to detail and the ability to efficiently and consistently produce accurate work.
  • Solid organizational and problem-solving skills.
  • Capability of multi-tasking in a fast-paced environment with a heavy volume of transactions.
  • Proven aptitude to work in both a team and individual environment.
  • Sound judgment skills to make quick decisions within written policy and standard operating procedures are essential.

Benefits:

  • Health Insurance with Vision Insurance Embedded
  • Dental Insurance
  • Paid Time Off
  • Vacation
  • Holiday Pay

Job Type: Full Time

Working conditions:
The candidate will work mostly in an office environment.

Physical requirements:
The applicant will sit, walk, stand, hear for lengths of time.

Compensation:
• Salary based
• Bonus on each Locked and Disclosed closed/funded loan.

Schedule:
• 8 hours shift
• Day shift (flexible hours if necessary)
• Monday to Friday

Education:
• High school or equivalent (Required)
• College degree preferred

Location:
• Lone Tree, CO

To apply: Email Cover and Resume to svincent@sclmortgage.com

SCL Mortgage, LLC is an EEOC employer and follows all federal, state, and local laws relating to fair employment.

SCL is committed to preventing, stopping and remedying all forms of discrimination that occur in its workplace. Managers are accountable for keeping SCL’s workplace free from discrimination and ensuring that SCL provides equal employment opportunity for all in the workforce and for those seeking to become members of SCL’s workforce.

SCL’s employees are protected by laws designed to protect employees from discrimination on the bases of race, religion, color, sex, pregnancy, gender identity, sexual orientation, parental status, national origin, age, disability, family medical history or genetic information, political affiliation, military service, or any other non-merit-based factor. These protections extend to all management practices and decisions, including recruitment and hiring practices, appraisal systems, promotions, and training and career development programs. SCL’s employees are also protected against retaliation if they engage in a protected activity, whistleblowing, or the exercise of any appeal or grievance right provided by law.